Citi (Citibank, N.A.)
Costco Anywhere Visa® Card by Citi Review 2026
No card fee cash-back Visa available exclusively to paid Costco members.
Quick answer
The Costco Anywhere Visa Card by Citi has no separate annual card fee and pays 5% on Costco gas, 4% on other gas/EV charging, 3% on dining and travel, 2% at Costco, and 1% elsewhere — but you must hold a paid Costco membership to get or keep it.
Who Costco Anywhere Visa® Card by Citi is best for
Costco members who want uncapped cash back on gas, dining, travel, and warehouse purchases.
At a glance
- Card fee
- $0
- Costco gas
- 5% back
- Other gas & EV
- 4% back
- Dining & travel
- 3% back
- Costco purchases
- 2% back
- Everything else
- 1% back
No separate Citi card fee; Costco membership required (Citi.com, Aug 2026)
Costco gas stations, incl. Costco Business Center
First $7,000/yr combined, then 1%
Restaurants and eligible travel worldwide
In-warehouse and Costco.com
No earning cap on any tier
Pros
- +No annual card fee — only the Costco membership itself costs money
- +Uncapped cash back on every tier, no earning ceiling
- +No foreign transaction fees
- +No fee to add authorized users
- +5% at Costco gas stations is among the highest gas rates of any card
Cons
- −Requires an active, paid Costco membership ($65–$130/yr)
- −4% gas/EV rate drops to 1% after $7,000/yr in combined spend
- −Rewards typically pay out once a year, not as ongoing statement credits
Costco Anywhere Visa® Card by Citi requirements
- Active paid Costco Gold Star, Business, or Executive membership required
- Subject to Citi credit approval
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See all picks in Costco Anywhere Visa Card by Citi: What It Pays and What It Requires (2026)
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Costco Anywhere Visa® Card by Citi scores 4.1 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Costco members who want uncapped cash back on gas, dining, travel, and warehouse purchases.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Costco Anywhere Visa® Card by Citi
Can I get the Costco Anywhere Visa Card without a Costco membership?+
No. Citi requires an active, paid Costco membership to apply for and to keep using the card — if your membership lapses, the card can be affected.
Is there a limit to how much cash back I can earn?+
No. Every tier (5%/4%/3%/2%/1%) is uncapped except the 4% gas/EV rate, which drops to 1% after $7,000 in combined annual spend.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.
https://clearvaluelending.com/reviews/costco-anywhere-visa-citi